Rock Port, MO · Cert 14293
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
55
Profitability
33
Liquidity
0
Efficiency
28
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rock Port, MO · Cert 14293
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.71% | 0.76% | 0.86% | 0.74% | 0.96% | 1.16% | 1.06% | +20 bps | |
| Return on Equity | 9.35% | 8.74% | 8.44% | 9.09% | 7.50% | 9.68% | 11.07% | 9.96% | +87 bps | |
| Net Interest Margin | 3.09% | 3.18% | 3.04% | 3.27% | 3.22% | 3.43% | 3.52% | 3.66% | +39 bps | |
| Efficiency Ratio | 70.50% | 70.09% | 71.78% | 69.31% | 72.78% | 66.77% | 62.40% | 65.45% | -385 bps | |
| Non-Interest Burden | 2.07% | 2.12% | 2.09% | 2.15% | 2.23% | 2.16% | 2.08% | 2.29% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.11% | -9.88% | -5.59% | -6.76% | 0.26% | 3.69% | 1.26% | 2.80% | +957 bps | |
| Loan Growth (YoY) | -8.26% | 4.25% | 5.35% | 4.40% | 7.08% | 0.73% | 4.14% | 4.09% | -31 bps | |
| Deposit Growth (YoY) | -11.93% | -12.21% | -8.64% | -9.89% | -1.11% | 2.56% | 0.97% | 3.02% | +1,291 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.10% | 0.08% | 0.59% | 0.25% | 6.01% | 0.27% | 0.11% | 0.08% | -18 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.08% | 0.02% | 0.04% | 0.03% | 0.04% | -0.01% | 0.05% | +1 bps | |
| Allowance / Loans | 1.08% | 1.09% | 1.15% | 1.11% | 1.06% | 1.06% | 1.09% | 1.06% | -5 bps | |
| Allowance Coverage of NPLs | 10.3x | 14.4x | 1.9x | 4.4x | 0.2x | 3.9x | 10.1x | 14.0x | +9.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.13% | 12.46% | 11.44% | 12.23% | 12.74% | 12.69% | 11.71% | 12.50% | +27 bps | |
| Total Risk-Based Capital | 12.13% | 12.46% | 11.44% | 12.23% | 12.74% | 12.69% | 11.71% | 12.50% | +27 bps | |
| Equity / Assets | 10.05% | 8.70% | 9.32% | 10.46% | 11.05% | 10.39% | 10.54% | 11.15% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.38% | 54.23% | 51.29% | 55.96% | 59.96% | 53.26% | 52.90% | 56.54% | +58 bps | |
| Liquid Assets / Assets | 1.88% | 6.00% | 8.14% | 6.53% | 3.74% | 8.88% | 4.83% | 3.83% | -270 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 74.55% | 76.20% | 75.59% | n/a | n/a | |
Rock Port, MO · Cert 14293 · Peer group: banks under $1B in assets in MO (n=82-83)
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.10%
Rank 54 of 83
Net Interest Margin
3.66%
Rank 52 of 83
Efficiency Ratio
65.45%
Rank 61 of 83
Equity / Assets
11.15%
Rank 33 of 83
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.96% | 1.32% | 1.75% | Beats 35% | 54 / 83 | ||
| Return on Equity | 9.88% | 9.66% | 12.96% | 15.76% | Beats 27% | 61 / 83 | ||
| Net Interest Margin | 3.66% | 3.35% | 3.85% | 4.16% | Beats 37% | 52 / 83 | ||
| Efficiency Ratio | 65.45% | 49.83% | 58.83% | 68.51% | Beats 28% | 61 / 83 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.08% | 0.51% | 1.01% | Beats 76% | 21 / 82 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.06% | Beats 34% | 55 / 82 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.50% | 11.01% | 12.49% | 14.98% | Beats 51% | 41 / 83 | ||
| Total Risk-Based Capital Ratio | 12.50% | 11.13% | 13.01% | 15.10% | Beats 45% | 46 / 83 | ||
| Equity / Assets | 11.15% | 8.83% | 10.71% | 13.29% | Beats 60% | 33 / 83 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.54% | 69.28% | 83.22% | 91.21% | 10th pctl | 74 / 82 | ||
| Loans / Assets | 49.40% | 59.34% | 71.15% | 78.36% | 10th pctl | 75 / 83 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||